Also by Reinvestment Fund

Portfolio Manager, Lending-Philadelphia, PA; Baltimore, MD; or Atlanta, GA

About Reinvestment Fund:

Headquartered in Philadelphia, Reinvestment Fund operates nationally with regional offices in Baltimore, MD, and Atlanta, GA. Reinvestment Fund is a national mission-driven financial institution that creates opportunity for underserved people and places through partnerships. We marshal the capital, analytics, and expertise necessary to build strong, healthy, and more equitable communities.

As a federally certified community development financial institution (CDFI), our job is to make finance an agent of positive change and equitable growth. We provide loans, grants and technical assistance to businesses and nonprofits. Our borrowers and grantees educate students, support local economies, and create jobs. They build affordable housing and provide community goods and services that include access to nutritious food, hunger relief, physical and mental health care, and other social services.

At Reinvestment Fund, you’ll be part of a talented and passionate team of communicators and business development staff, lenders, portfolio managers, analysts, grant program managers, accountants, and policy researchers who bring their unique talents to our mission.

Reinvestment Fund is currently undergoing a multi-year race, equity, and inclusion organizational change process, and we are seeking candidates who share a commitment to advancing racial equity and anti-racism and are prepared to engage in that work.

About The Position:

The Portfolio Management group monitors individual loan default risk for the commercial lending business.  The Portfolio Management group has a broad view of the loans under management and is responsible for monitoring each loan’s successful repayment. This talented team works directly with borrowers, spots issues early and resolves nonperforming debt as needed. The group also measures and presents lending business insights, credit risk and performance metrics.

Each Portfolio Manager oversees multiple portfolios and is familiar with each project’s purpose and community impact as well as the underlying loan cash flows, collateral, and repayment structure.


  • Oversee loan portfolios under management as assigned.
  • Work with Management, Lenders, and fellow Portfolio Managers to ensure the appropriate level of regular analysis for all credits in assigned portfolios.
  • Work with Lenders to understand the transactions entering the portfolio and ensure the reportable credit risk data values for the transaction are accurate in Reinvestment Fund systems. ( Collatéral type, position and value, DSCR, DSCR covenants, etc.)
  • Prepare consistent and accurate analyses during loan events such as annual loan review, modification, extension, or default.
  • Propose solutions to loan problems and accurately explain the risks and benefits of proposals in formal credit memorandum.
  • Self-prepare documentation to effectuate loan changes or coordinate with attorneys in the timely documentation of same.
  • Prepare quarterly loan impairment analysis for all problem loans in the assigned portfolio.
  • Develop and enforce loan workout plans under the direction of the Managing Director.

Who We Are Looking For

Portfolio Management requires a high level of independent, analytical work, strong interpersonal skills, and good judgment. Staff juggle several projects at a time and regularly adjust priorities based on new deadlines. Staff are expected to be flexible and accountable to the team. They are supported by a collaborative, collegial environment, and responsive management.

Qualified candidates will have financial industry background, experience in commercial lending or real estate, and outstanding organizational skills. The successful candidate will have a track record of leading collaborative projects and will have a demonstrated affinity for working in a team setting. He or she will be passionate about using finance as a tool to change people’s lives for the better.

The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

 Education, Experience, Certifications:

  •  Bachelor’s Degree in finance, economics, accounting, or other related fields preferred
  • 5+ years related job experience with increasing levels of financial analysis expertise in Financial Services, Real Estate, or other related fields
  • 1+ years in a credit, rating or valuation role, any sector

Specialized Skills:


  • Experience creating and communicating credit, investment, or real estate analysis – formal writing and oral presentation to executives.
  • Ability to effectively synthesize information, organize logical arguments and summarize key points
  • Experience performing financial analysis and modeling in Excel
  • Strong experience in analyzing complex financial statements and tax returns
  • Experience interpreting legal documents such as leases, mortgage notes, contracts, etc.
  • Experience reviewing construction budgets, project plans, appraisals, inspection reports and other real estate documents
  • Ability to draw conclusions from financial and market data to make sound recommendations regarding ongoing loan management
  • Comfortable interfacing data between various computer applications/systems


  • Experience working with diverse people and community-based organizations
  • Experience with affordable housing subsidy programs, historic tax credit programs and other economic development tools

Work Location:

Reinvestment Fund is maintaining a 100% remote work environment to at least January 2022 due to COVID. Reinvestment Fund expects to provide a flexible work arrangement that will be a hybrid home/office work arrangement in 2022 and beyond. It is anticipated that a combination of working remote and a minimum of days in the RF office location will allow for face-to-face interactions. Depending on the nature of the job, a more flexible work schedule may be considered.

Compensation And Benefits:

Reinvestment Fund offers a competitive salary based on experience and skills, as well as an excellent benefits package including employer-paid health, disability, and life insurance, 401(k) savings plan with employer match, flexible spending accounts (medical, dependent care and transportation), tuition reimbursement, paid time off, EAP program, and professional development opportunities.

Reinvestment Fund uses E-Verify to validate all new hires’ ability to legally work in the United States. Reinvestment Fund is an Equal Opportunity Employer. Reinvestment Fund does not discriminate in hiring or employment practices on the basis of race, color, religion, gender, age, sexual orientation, marital or familial status, national origin, non-job related disabilities, or status as a veteran.

Reinvestment Fund, Inc. has an affiliate, RF Impact Advisers, Inc. (“RFIA”) that is a state-registered investment adviser.  To advance compliance with and prevent violations of federal and state securities laws and to avoid even the appearance of a conflict of interest, RFIA has adopted a Code of Ethics to govern certain conduct of its staff, including certain staff of Reinvestment Fund because Reinvestment Fund is an advisory affiliate of RFIA.  As part of this Code of Ethics, there are specific personal reporting and other requirements and disclosures of personal financial and/or securities transactions information. For certain individuals this reporting will extend to your household members. You may be subject to a background check.

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